The Venture card is best suited for cardholders who want to earn a flat rate of miles on every purchase with no categories to track. Capital One Venture: Best for straightforward travel rewards If you’re looking to pay off debt or plan on making a large purchase in the near future, the Quicksilver is a great option – especially as the card provides ongoing value long after the introductory period ends. While the Venture card doesn’t offer any kind of introductory APR, the Quicksilver can get you a 15-month 0% intro APR on both purchases and balance transfers, followed by a variable APR of 17.99% to 27.99%. Unlike the Venture, the Quicksilver has no annual fee, meaning you could use the card sparingly without worrying about offsetting the cost of card ownership. The Venture card’s $95 annual fee may be worth it, especially if you plan to use the card for the majority of your spending, redeem for travel and take advantage of its travel perks. While the sign-up bonus is much smaller than the Venture card bonus, it carries a substantially lower spending requirement and is on par with bonuses from other no-annual-fee Capital One cards, like the Capital One SavorOne Cash Rewards Credit Card. With the Capital One Quicksilver, you’ll earn $200 in cash back when you spend $500 within three months of account opening. As noted earlier, the value of Capital One miles varies depending on how you redeem them, so if you choose to spend your miles for travel, this bonus is worth at least $750. The Capital One Venture offers a significant sign-up bonus of 75,000 miles when you spend $4,000 in the first three months of account opening. Cash back redemptions, on the other hand, fetch just 0.5 cents per mile, so the Venture card only makes sense if you could more readily use miles than cash back. When redeemed for travel, Capital One miles are worth at least 1 cent per mile (or up to 1.85 cents per mile when redeemed toward travel with select Capital One transfer partners, according to The Points Guy). Alternatively, rewards can also be redeemed for cash back, gift cards or or PayPal purchases. Venture cardholders can redeem miles for travel through the Capital One Travel portal, receive a statement credit toward travel purchases made within the last 90 days or transfer miles to a variety of hotel and airline transfer partners. This flat-rate cash back card offers 1.5% cash back on all purchases, regardless of where, when or what you buy. If you’d prefer a cash back option, though, the Quicksilver also takes a streamlined approach to rewards. With it, you’ll earn 5X miles on hotels and rental cars booked through Capital One Travel, plus 2X miles on all other purchases (which is a higher rewards rate on non-category purchases than what’s offered by most other travel credit cards). The Venture card’s rewards are geared toward travel, so before planning any future vacations, consider applying. $200 cash back after spending $500 in the first 3 monthsĠ% intro APR for the first 15 months on purchases and balance transfersīoth the Capital One Venture and Capital One Quicksilver offer straight-forward rewards rates, with no rotating bonus categories to activate and track. 5X miles on hotels and rental cars booked through Capital One Travelħ5,000 bonus miles when you spend $4,000 in the first 3 months. Capital One QuicksilverĬapital One Quicksilver Cash Rewards Credit Card So, which is better, the Capital One Venture or Quicksilver? How do you choose between the two? Will a travel card serve you well in the future, or do you prefer the simplicity of cash back? Read on to learn how these cards’ sign-up bonuses, ongoing rewards and perks stack up so that you can choose the best option for your spending style. The Capital One Venture Rewards Credit Card stands out as one of the most reliable flat-rate travel cards on the market, while the Capital One Quicksilver Cash Rewards Credit Card can be a solid choice if you want to earn flat-rate cash back for no annual fee. Capital One offers a variety of options for rewards-savvy cardholders, but the best card for you will depend on your appetite for an annual fee and how you like to use your credit card rewards.
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